BWB (Bridgewater Bancshares) LT-Debt-to-Total-Asset: 0.08 (As of Mar. 2026)

What is Bridgewater Bancshares LT-Debt-to-Total-Asset?

Bridgewater Bancshares BWB +1.25% 64 LT-Debt-to-Total-Asset is 0.08 as of Mar. 2026. GuruFocus rates BWB with a GF Score™ of 64/100 and a GF Value™ of $20.38 (Fairly Valued). The stock has 6 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Bridgewater Bancshares's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.08.

Bridgewater Bancshares's long-term debt to total assets ratio increased from Mar. 2025 (0.04) to Mar. 2026 (0.08). It may suggest that Bridgewater Bancshares is progressively becoming more dependent on debt to grow their business.

Bridgewater Bancshares (NAS:BWB) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Bridgewater Bancshares LT-Debt-to-Total-Asset Related Terms

Bridgewater Bancshares LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Bridgewater Bancshares's LT-Debt-to-Total-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Bridgewater Bancshares LT-Debt-to-Total-Asset Chart

Bridgewater Bancshares Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.04

0.09

Bridgewater Bancshares Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.04	0.04	0.04	0.09	0.08

64GF Score

Bridgewater Bancshares Inc BWB

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Bridgewater Bancshares LT-Debt-to-Total-Asset Calculation

Bridgewater Bancshares's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	508.177	/	5407.002
	=	0.09

Bridgewater Bancshares's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	444.782	/	5335.396
	=	0.08

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.08 mean?

Bridgewater Bancshares (BWB) has a LT-Debt-to-Total-Asset of 0.08 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Bridgewater Bancshares and its competitors.

Is Bridgewater Bancshares' LT-Debt-to-Total-Asset too high?

Bridgewater Bancshares' current LT-Debt-to-Total-Asset is 0.08. Overall, Bridgewater Bancshares has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.

How does Bridgewater Bancshares' LT-Debt-to-Total-Asset compare to SFST and KRNY?

Bridgewater Bancshares' LT-Debt-to-Total-Asset of 0.08 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Bridgewater Bancshares and its competitors. Bridgewater Bancshares's current LT-Debt-to-Total-Asset is 0.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Bridgewater Bancshares stock overvalued right now?

Based on GuruFocus' analysis, Bridgewater Bancshares (BWB) is currently considered Fairly Valued. The stock's GF Value™ is $20.38, compared to a current price of $21.07 — trading 3.4% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.08. Bridgewater Bancshares' overall GF Score™ is 64/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Bridgewater Bancshares (BWB), the current LT-Debt-to-Total-Asset is 0.08 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Bridgewater Bancshares (BWB) Overvalued in 2026?

Based on GuruFocus' analysis, Bridgewater Bancshares stock appears to be overvalued. The current stock price of $21.07 is trading 3.4% above its estimated GF Value™ of $20.38. GuruFocus considers Bridgewater Bancshares to be Fairly Valued.

Key valuation signals for BWB:

LT-Debt-to-Total-Asset: 0.08
GF Value™: $20.38 vs. price of $21.07 (3.4% above fair value)
GF Score™: 64/100 with 6 warning signs

No single metric tells the full story. See the BWB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Bridgewater Bancshares Business Description

Industry Financial Services Banks

Comparable Companies SFST KRNY CBNK CIVB UNTY GCBC RRBI HBCP ACNB NRIM SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Other Exchanges 1WA:Germany

Address 4450 Excelsior Boulevard, Suite 100, St. Louis Park, MN, USA, 55416

Website http://www.bwbmn.com

Bridgewater Bancshares Inc is a financial holding company. Through its subsidiary, it offers various personal and commercial banking products and services such as savings accounts, certificates of deposits, money transfer services, digital wallets, credit and debit cards, safe deposit lockers, different types of loans and advances, commercial deposit accounts, treasury management, and others. The company principally focuses on catering to commercial clients, offering a suite of loan and deposit products. Geographically, it mainly operates in the Twin Cities Metropolitan Statistical Area in the United States.

64GF Score

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$21.07

Price

$20.38

GF Value

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